Household contents with a sum insured of up to R250 000 requires burglar bars on all opening windows and security gates on all external doors.
Household contents with a sum insured of R350 000 and above requires a working alarm linked to security company back up. Alarms should be tested on a regular basis
The sum insured of household contents should be adjusted to avoid under insurance. Ideally this should be done at least once a year. Remember that the replacement method is new for old and the sum insured should be adequate to accommodate this.
Help your clients by reminding them to keep up to date:
Current valuation certificates of jewelry and photographs assist to prove ownership
Proof of ownership for more expensive items
Photos of valuable items are helpful in the event of a claim
Documentation that will be required in the event of a claim
The Following documents/items will be required when submitting your claim:
If applicable, the SAPS case number and the name of the station where the incident was reported.
Proof of ownership of stolen items
In the case of spectacles/contact lenses we will require a letter stating that there is no cover from or claim against your medical aid.
If your cell phone has been stolen we will require the blacklist documents
In the case of damage caused by lightning or electricity surge we will require confirmation of any lightning protection/Uninterruptible Power Supply devices.
If your cover is subject to a burglar alarm system we will require an activation and response report from the security company.
Quotations to replace items.
Damaged items must be forwarded to ONE | SURE as salvage
Please note: that should you fax or email the documents to us, we will still require the original documentation before a claim can be finalised.
Remember any salvage belongs to ONE, once the claim has been settled.
Personal liability and personal accident claims Call ONE Claims Center for assistance.